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Australian home loan providers: A to Z listing

There are dozens of different home loan providers in Australia, and we've compiled an A-Z list covering almost all of them.

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Richard Whitten

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The Australian home loan market is a crowded, competitive world. At Finder, we track home loan rates from lenders big and small and have information about these home loan providers. Click on any lender below to learn more about it.

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Understanding different types of lenders

Mortgages might all be similar products, but there are some real differences between different types of lenders. Your choice of lender depends partly on what you care most about, be it convenient online service, sustainability or getting face-to-face help from a human at a bank branch.

  • The Big Four Banks. Australia's 4 biggest banks have the biggest market share and offer many different home loan products, banking apps and in-person branch support.
  • Online lenders and digital banks. If you don't need in-person help with a loan application, online lenders and digital banks offer competitive rates and fast online applications.
  • Customer-owned banks. Australia has a broad range of typically smaller, local credit unions and other non-bank lenders that are member-owned. This means profits are invested back into the institution rather than paid out to shareholders. These lenders may only serve customers in a city, state or region. Many put a share of profits into community initiatives.
  • International banks. You can get a home loan with a bank that operates in Australia as part of a global or foreign brand. Examples include HSBC, Citibank, Bank of China and ING.

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4 Responses

    Default Gravatar
    AshSeptember 5, 2021

    Which lenders can provide loan to a first home buyer at 98% LVR including LMI . Also I am a sole trader and my business is running for 2 years but have only 1 year tax returns.

    Reply
      Avatarfinder Customer Care
      SarahSeptember 9, 2021Staff

      Hi Ash,

      While most lenders require a 20% deposit (so an 80% LVR loan), it is possible to qualify for a Family Home Guarantee loan with just a 2% deposit. To be eligible, you must be a single parent purchasing your first home.

      Check out the full criteria and a list of the banks who are taking part in this scheme here: https://www.finder.com.au/family-home-guarantee

      If you’re a First home buyer and you’re not a single parent, but you need certain eligibility criteria, you might be able get a home loan with just a 5% deposit using the federal government’s First Home Loan Deposit Scheme. This scheme allows eligible buyers to borrow 95% of the property’s value, and you can avoid paying LMI because the government will act as your guarantor. More info here: https://www.finder.com.au/first-home-loan-deposit-scheme.

      Regarding your self-employed status, every bank has a different policy regarding how they treat your income. If you have a strong employment record prior to this business, that might help your chances of getting your loan approved. A smaller bank or non-bank lender can be a little more flexible than Big 4 banks in this regard, so consider enquiring with one of these lenders to see what your options are.

      Hope this helps!

      Cheers,
      Sarah

      Reply
    Default Gravatar
    VickiFebruary 6, 2016

    Just turned 65, does this have a vast impact of getting a morgage loan

    Reply
      Default Gravatar
      BelindaFebruary 8, 2016

      Hi Vicki,

      Thanks for reaching out.

      Applying for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you are applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).

      Many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.

      It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.

      You can also learn more about the risks involved when applying for finance during your retirement.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      All the best,
      Belinda

      Reply
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